About Oceanwide Leading provider of hosted insurance software solutions for the global property & casualty insurance industry 100 + employees with a broad range of technology & insurance expertise Global footprint – Montreal, London, Hong Kong, Antwerp and Bogota Privately-held, owner-managed Focused on standards-based innovation to help our customers manage & expand their product distribution Genoa: largest global marine insurance platform

About Oceanwide • Guiding Principles Streamline inter-company collaboration, reduce data entry costs & errors, and deliver powerful business intelligence functionality to our customers Develop expertise in all targeted lines of insurance to provide sound advice to customers and rich functionality to address their most complex requirements Offer complete solutions, combining software with end-to- end implementation services, application hosting, 24/7 help- desk & marketing support Partner with our clients, sharing the risks and rewards of the software, by charging minimal setup fees coupled with success-based pricing

Track Record of Success Insurers & MGAs Brokers Zurich Chartis Chubb Allianz CV Starr Great American Hartford Lloyd’s of London IMU/ One Beacon Catlin Unigroup Sea Cargo Van Breda Mitsui Sumitomo Max Specialty Watkins Amica Aon Marsh Nacora Roanoke Willis Miller Insurance Integro Equinox WRRG HSBC What is the % against fortune 500?

Bridge • Overview An easy to use platform to automate and optimize the sale and distribution of insurance products Oceanwide Bridge opens up a world of possibilities: Sell your products through a new, inexpensive web platform Offer an automated, quote-bind-issue solution to your brokers, agents and other distributors Quickly launch new products to exploit market opportunities Present your agents with a consistent interface to your multiple back-end policy administration systems Import, process and consolidate data from all your distributors’ systems through a variety of integration tools

Policy Administration System Bridge • Workflow Back-office Systems Policy Administration System Data/ Document Warehouse Accounting Systems Policy Rules & Rating Booked Policies Invoices & Payments External Databases S u b m i s o n Q t e , P l c & Invoices Oceanwide Bridge ACORD XML or Web Forms Credit Card Processors Insurer / Broker Setup, Control & Monitoring Other Distribution Channels Brokers, Agents & Cover Holders Direct Assured Access via Internet

Bridge • Benefits Improved Underwriting Control User-Friendly Distributor Experience Quick Low-Cost Startup Lower Administrative & Processing Costs Comprehensive Implementation Support

Quick Low-cost Startup Minimal startup fees – success-based pricing Fully hosted  No IT support infrastructure required Simplified branding of your web site & documentation Excel import/export tools for data loading Easy on-line product configuration process: Application and submission forms Rating and underwriting rules Quote and policy document templates Built-in integration with payment processors & 3rd-party databases

User-friendly distributor experience Easy-to-use front end for brokers, agents and other distributors intuitively designed to mimic their workflow Maintains a consistent distribution interface to multiple, changing back-end policy administration systems Processes submissions, issues quotes & policy forms Simplifies and automates endorsements & renewals Imports bordereaux data & maps to ACORD standards Allows claimants to report losses & track claim status 24x7 Multi-lingual, multi-currency, multi-company, multi-product

Improved Underwriting Control Allows for specific underwriting rules, premium rating and coverage terms for each product, distributor and cover Validates all submissions against defined rules Ensures the accuracy of policy documentation Streamlined referral workflow focuses underwriters on exception cases Maintains a detailed audit trail Offers powerful reporting tools and real-time monitoring of risk data

Lower Administrative & Processing Costs Enhances “self-service” capabilities, avoiding repetitive data entry processes Automatically calculates premium, taxes & charges Streamlines workflow with email & dashboard alerts Builds and stores an electronic claims file Issues and stores all policy documentation Generates monthly invoices Processes credit card payments Automates renewal processing

Comprehensive Implementation Support Success-based fee structure Experienced implementation team Global presence Product configuration assistance Web-conference training On-site training seminars Custom eLearning centers 24x7 multi-lingual help desk support Tele-sales team Internet marketing services

State-of-the-art Technology Experienced team of .NET & Biztalk developers Data stored natively in ACORD XML Scalable services oriented architecture (SOA) World-class hosting infrastructure Sarbanes-Oxley / SAS70 compliant processes 3rd party security testing Daily data downloads Option to deploy in-house

Success Stories

Success Story • Yacht Straight-through Processing The Company & Objective The Solution An insurer wants to launch a recreational marine practice and offer a network of specialized brokers a self-service portal for processing and binding recreational marine insurance products Streamlined processing of high volume, low premium risks Underwriting resource applied only to exceptions and complex risks Underwriting rules applied based on real- time access to risk details and aggregations Ability for brokers to print all quote & policy documentation instantly while adhering to insurer’s internal compliance & operating processes The Challenge Fully automated broker portal with quote, bind and policy issuance Referral-processing workflow for manually quoting exceptions and complex risks Premium management tools to help coverholders generate invoices and track payments Direct integration with insurer back-office policy administration, accounting and data warehouse systems Results Successfully product launch with $10+ Million premium written in first year 1000s of yachts insured through national network of specialized brokers Complete integration with downstream system and cost-effective management by a small underwriting team

Success Story • Bank Distribution Opportunity The Company & Objective The Solution An insurer wants to distribute various commercial insurance products through a large European bank leveraging bank’s local distribution power to tap into local small/medium-sized company market. Insurance products configured and maintained within system by insurer Integration with bank’s financial trade application for access by bank employees and branch sales staff Seamless integration with bank’s online offering for direct online sales to bank customers Automatic quotes and certificate issued directly through the bank’s systems The Challenge Efficient, cost-effective method to process a high volume of one-off transactions with no manual intervention Elimination of redundant data entry & associated errors Easy access to insurance coverage details for bank employees to assist their sales efforts Calculation of bank fees and revenue in addition to premium using separate rate schedules Results Significant new revenue stream successfully generated for the bank Deepened relationship between insurer and bank resulting in cross-selling of other insurance products to customer base

Success Story • Bridge E-commerce portal The Company & Objective The Solution A Broker wants to sell cargo insurance online under through a self-service web portal to small and mid-sized freight forwarders Easy online registration process for clients Automated rating and insuring conditions specific to each of thousands of individual shipment declarations Collaborative referral handling for exceptions Instant certificate issuance Credit card payment processing Online claims reporting and status Powerful reporting tools The Challenge Cost-efficient solution for processing transactions from thousands of small clients & low-premium transactions Tight control and underwriting to avoid adverse selection Ability to rate individual shipments using many rating factors Integration with inside sales team and powerful CRM tools Detailed billing information by shipment & multiple efficient modes of payment processing (Pay as you go, monthly invoicing, partial payment, deposits, etc…) Results 100,000+ transactions per year handled by a team of 2 brokers Increased premium growth while maintaining low claims ratio year-on-year for the last 12 years to build a multi-million dollar profitable book of business

Success Story • Forwarder Software Integration The Company & Objective The Solution A global freight forwarder wants to streamline and control their cargo insurance offering through an efficient automated Solution Complete integration of quote, bind & issue offering with forwarder’s freight management software Forwarder receives quote and certificate documents directly through their existing software Interface is based on web services Forwarder sell price tracked separately Collaborative referral processing for special quotes from insurer The Challenge Streamlined processing time for freight bookings Elimination of redundant data entry and associated errors Handling of complex ratings for individual shipments that consider the wide range of destinations, customers & commodities shipped Need for forwarder to track their revenue generated from the sale of insurance Insurance premium embedded in forwarder’s quote and customer billing Results Significant growth in amount of insurance sold Reduced administrative cost and improved underwriting results through real-time monitoring by insurers

Success Story • Relocation Insurance B2C The Company & Objective The Solution A US broker wants to distribute a London Market relocation insurance product through moving and relocation companies Individual policies with rates and conditions for each relocation/moving company and corporate client Automatic premium calculation for shipment and storage declarations Integrated billing and invoicing Online loss reporting and claims status Full claims management and adjustment functionality Advanced analytics and BI reporting through Cognos integration The Challenge Web-based portal for recording details of moves and storage consignments Online reporting and tracking of claims by a global network of claims representatives Powerful analysis tools to drive loss control measures and control underwriting results Results Increased profitability through reduced administrative costs Increased customer satisfaction through the use of electronic servicing

Thank You Montreal | London | Hong Kong | Antwerp | Bogota +1 (888) 289-7744 sales@oceanwide.com www.oceanwide.com